EquilibriumIssue 4Application form

Helpful Banking

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Equilibrium Issue 4 account – application form

Before completing this application form you must read the Equilibrium Issue 4 brochure (including the relevant Terms and Conditions) and the PersonalBanking Terms and Conditions. These documents contain all the information you need to be aware of before opening your Equilibrium Issue 4 account.If you do not have the brochure or Terms and Conditions please contact your Relationship Manager or a member of our branch staff.

Please complete in BLOCK CAPITALS and black ink.

Your information

For details of how we and others will use your information, please look for the padlock symbol and in the accompanying Terms and Conditions orcontact your branch.

1. Personal details

1a. Main applicant

Title Mr Mrs Miss Ms Other If other, please specify

Surname

First name(s)

Middle name(s)

Previous names (including maiden name or change by deed poll)

Are you known by anyother name? Yes No If yes, please specify

Gender Male Female

Full residential addressline 1

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

If resident at the above address for less than 3 years please state previous address

Previous address line 1

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

Postcode

Telephone number (home)

Telephone number (business) extn

Mobile telephone number

Address forcorrespondence(Only complete if differentto residential address)

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E mail address

Date of birth

Country of birth

Town of birth

Country of permanent residence

Country of residence fortax purposes

Nationality

Government issued Personal Identification Number i.e the number on the ID document you are providing - Passport, driving licence etc

Occupation

Memorable word

1b. Second applicant

Title Mr Mrs Miss Ms Other If other, please specify

Surname

First name(s)

Middle name(s)

Previous names (including maiden name or change by deed poll)

Are you known by anyother name? Yes No If yes, please specify

Gender Male Female

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

If resident at the above address for less than 3 years please state previous address

Previous address line 1

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

(Please choose a memorable word of no more than 15 characters.This may be used to confirm certain transactions)

Full residential address line 1 (Only necessary ifdifferent to main applicant)

Address forcorrespondence(Only complete if differentto residential address)

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Postcode

Telephone number (home)

Telephone number (business) extn

Mobile telephone number

E mail address

Date of birth

Country of birth

Town of birth

Country of permanent residence

Country of residence fortax purposes

Nationality

Government issued Personal Identification Number i.e the number on the ID document you are providing - Passport, driving licence etc

Occupation

Memorable word

1c. Third applicant

Title Mr Mrs Miss Ms Other If other, please specify

Surname

First name(s)

Middle name(s)

Previous names (including maiden name or change by deed poll)

Are you known by anyother name? Yes No If yes, please specify

Gender Male Female

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

If resident at the above address for less than 3 years please state previous address

Previous address line 1

Address line 2

Address line 3

Address line 4

Postcode

(Please choose a memorable word of no more than 15 characters.This may be used to confirm certain transactions)

Full residential address line 1 (Only necessary ifdifferent to main applicant)

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Date of entry toabove address

Postcode

Telephone number (home)

Telephone number (business) extn

Mobile telephone number

E mail address

Date of birth

Country of birth

Town of birth

Country of permanent residence

Country of residence fortax purposes

Nationality

Government issued Personal Identification Number i.e the number on the ID document you are providing - Passport, driving licence etc

Occupation

Memorable word

1d. Fourth applicant

Title Mr Mrs Miss Ms Other If other, please specify

Surname

First name(s)

Middle name(s)

Previous names (including maiden name or change by deed poll)

Are you known by anyother name? Yes No If yes, please specify

Gender Male Female

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

(Please choose a memorable word of no more than 15 characters.This may be used to confirm certain transactions)

Full residential address line 1 (Only necessary ifdifferent to main applicant)

Address forcorrespondence(Only complete if differentto residential address)

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If resident at the above address for less than 3 years please state previous address

Previous address line 1

Address line 2

Address line 3

Address line 4

Postcode

Date of entry toabove address

Postcode

Telephone number (home)

Telephone number (business) extn

Mobile telephone number

E mail address

Date of birth

Country of birth

Town of birth

Country of permanent residence

Country of residence fortax purposes

Nationality

Government issued Personal Identification Number i.e the number on the ID document you are providing - Passport, driving licence etc

E mail address

Occupation

Memorable word

2. Your deposit

Please confirm your TOTAL deposit into the Equilibrium Issue 4 account The minimum deposit is £10,000.00

Option 1 - UK Market

Option 2 - European Market

Please select your payment method

Cheque – cheques should be made payable to ‘NatWest’

Electronic transfer – please complete and return the customer payment instruction form attached at the end of this application.

(Please choose a memorable word of no more than 15 characters.This may be used to confirm certain transactions)

Address forcorrespondence(Only complete if differentto residential address)

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3. Account information

The following information is required for regulatory reasons and must be provided so that we can open your Equilibrium Issue 4 account.

About your account – please summarise the reason and purpose of opening this account.*

Source of funds to establish the account – where are the funds held currently. What will be the source of initial funds that will be deposited intothe account*

Source of wealth – please provide details of where wealth originated i.e savings from earnings, sale of property etc. Generic answers such asinvestments or savings are not acceptable*

* The Bank may require you to supply evidence to support the information you have provided.

If you are not locally resident in the jurisdiction where the account is to be domiciled, please provide an explanation for the account.

4. Residents of the European Union

If you are Resident in the European Union then your accounts with us will be subject to the exchange of information measures of the EU Savings Directive. We willautomatically exchange information, via our local Tax Controllers, with the relevant EU Tax authority regarding your identity and residence, the amount of savingsincome earned and the period it relates to. Please note for structured deposits we understand this is relevant only to the interest earned prior to the Start Date, theFixed Rate Deposit and interest earned on the Structured Deposit Cash Management Account.

By completing and signing this application form you authorise us to exchange this information.

Any previous instruction provided in respect of existing accounts you may have with us domiciled in Jersey or Gibraltar will continue, unless you wish to changeyour election.

Please place a cross if you would like our Guide to the EU Savings Directive.

5. Declaration and signature(s)

To: NatWest (the ‘Bank’)

I/We

• wish to open a Equilibrium Issue 4 account and Structured Deposit Cash Management Account (as identified in the brochure) and hold a copy ofthe Equilibrium Issue 4 brochure and Terms and Conditions and the Personal Banking Terms and Conditions and I accept that, upon signing thisapplication, I will become bound by the terms contained in those documents;

• declare that the details provided are correct and agree to notify you of any changes;

• authorise you to take up any reference(s) which is/are necessary in connection with this application and declare that the information given aboveis true and correct;

• agree to provide further details if required;

• understand that you may decline this application without being required to state a reason;

• request and authorise you to accept instructions regarding this account signed by either or the survivor of us (for joint accounts only)

• understand that the return amount is determined by reference to the relevant underlying index/indices which may rise or fall during the term;

• understand that the deposit is intended to be held to maturity. An early closure request will be subject to the deduction of breakage costs and

may mean that I/we receive less than my/our initial deposit amount;

• understand that nothing in this document or the Equilibrium Issue 4 brochure or any other information provided to me by the bank in connectionwith this deposit constitutes advice to me/us;

Credit reference agencies

We may obtain information about you from credit reference agencies to verify your identity.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.

We may also obtain information about you from fraud prevention agencies.

Keeping you informed

We would like to keep you informed by letter and by phone about products, services and additional benefits that we believe may be of interest to you.If you don’t want us to do this, please place a cross in one or both boxes.

Letter Phone

We would also like to keep you informed via the e-mail address and mobile number you may have provided earlier in this form. May we keep you informed by electronic means, such as e-mail and mobile messaging?

Yes No

Giving your consent

By signing this application you are agreeing that we may use your information in the way described in this form (including the ‘Keeping you informed’section) and in the associated Terms and Conditions.

All applicants sign here

Main applicant Second applicant

Signed Signed

Date Date

Third applicant Fourth applicant

Signed Signed

Date Date

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Customer payment instruction formIf you are an existing customer and wish to authorise an electronic transfer, please complete and return this form with your application. If however, you are a new customer and would like to authorise an electronic transfer, please complete this form and, upon confirmation that yourEquilibrium Issue 4 account has been opened, send to your Bank from which the payment will be made.

Please note that funds must be transferred to us in the same currency as you deposit.

SECTION ONE – APPLICANT(S) TO COMPLETE

Details of the existing account to be debited.

Name of your bank

Branch name and address

Address line 2

Address line 3

Address line 4

Postcode

Sort code Account number

Account name(s)

Amount of transfer GBP Amount in words

Date of birth Initial Surname

Unique reference number

SECTION TWO – INSTRUCTION TO BANK

Please accept this instruction as authority to transfer funds from the above account to the NatWest account detailed below.Please ensure all payments include the unique reference number quoted above as this acts as the beneficiary details.

All charges for remitter’s account. If you have any queries regarding this form please call us on +44(0)1624 637127 or write to us at NatWest, Strategic Deposit Unit, PO Box 13, Douglas, Isle of Man, IM86 1XF.

GBP

Sort code: 60-95-43Account number: 36047823 IBAN: GB40 RBOS 6095 4336 0478 23Account name: Strategic Deposit Account No 2Beneficiary reference: Please quote the uniquereference number quoted above

All applicants sign here

Main applicant Second applicant

Signed Signed

Date Date

Third applicant Fourth applicant

Signed Signed

Date Date

What to do nextHave you/all applicants to this account…

1. Fully completed sections 1 to 4

2. Signed and dated the application form

3. Completed, signed and provided the necessary documentation

4. Provided either

• a cheque payable to ‘NatWest’

or

• a completed customer payment instruction form, as attached at the end of this application, FOR TRANSFERS FROM A NATWEST ACCOUNTONLY. Otherwise, upon receipt of your account number, you must arrange for your Equilibrium Issue 4 account to be funded from an alternatebank/building society by 24 August 2012. Please see attached customer payment instruction form for crediting account details.

Please note the Equilibrium Issue 4 account is a limited offer savings account. Due to the nature of this type of account the offer may be

withdrawn early and without notice if it is fully subscribed. The account is available on a first come, first served basis.

The completed application and supporting documentation should be returned to your Relationship Manager, local branch or centrally to:

NatWest International, PO Box 678, International Personal Banking, 23-25 Broad Street, St Helier, Jersey, JE4 8PD.

If you require any further information simply contact your Relationship Manager or local branch.

Alternatively you can call us on:

Jersey + 44 (0)1534 282828

Guernsey + 44 (0)1481 703800

Isle of Man + 44 (0)1624 697900

Gibraltar + 350 200 77737

Our lines are open between 9am and 5pm Monday to Friday.

The Royal Bank of Scotland International Limited trading as NatWest (NatWest). Registered Office: PO Box 64, Royal Bank House, 71 Bath Street,St. Helier, Jersey, JE4 8PJ. Regulated by the Jersey Financial Services Commission.

Guernsey business address: PO Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Regulated by the GuernseyFinancial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended, the Insurance Managers andInsurance Intermediaries (Bailiwick of Guernsey) Law, 2002, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended.

Isle of Man business address: PO Box 7, 1 Prospect Hill, Douglas, Isle of Man, IM99 1AQ. Licensed by the Financial Supervision Commission of theIsle of Man and registered with the Insurance and Pensions Authority in respect of general business.

NatWest is the registered business name of The Royal Bank of Scotland International Limited under the Business Names Registration Act. Gibraltarbusiness address: National Westminster House, PO Box 707, 57 Line Wall Road, Gibraltar. Regulated and authorised by the Financial ServicesCommission, Gibraltar to undertake Banking and Investment Business from 57 and 55 Line Wall Road and 1 Corral Road, Gibraltar.

Our services are not offered to any person in any jurisdiction where their advertisement, offer or sale is restricted or prohibited by law or regulation orwhere we are not appropriately licensed.

This product has not been, nor will be, registered under the United States Securities Act of 1933 and may not be directly or indirectly offered or sold inthe United States of America, or any of its territories or possessions or areas subject to its jurisdiction, or to or for the benefit of a US resident.

This product is not intended for any person in any jurisdiction or country where the offering would be contrary to local law or regulation. In particular,but without limitation, the product may not be available for residents of Australia, Canada, Hong Kong and the United States of America. We reservethe right to determine whether you are eligible for this product.

Natwest is a member of the Isle of Man Depositors’ Compensation Scheme (DCS) as set out in the Depositors’ Compensation Scheme Regulations 2010.Our Structured Deposit Accounts are domiciled in the Isle of Man and therefore you may have the protection of the DCS, subject to the rules of thescheme. Further details of this scheme are available on request.

NatWest is a member of The Royal Bank of Scotland Group. The Royal Bank of Scotland plc – Registered in Scotland No 90312. Registered office:36 St Andrew Square, Edinburgh, EH2 2YB. The Royal Bank of Scotland plc is authorised and regulated by the Financial Services Authority. The latestreport and accounts are available at www.investors.rbs.com. NatWest places funds with other parts of its Group and thus its financial standing is linkedto the Group. Depositors may wish to form their own view on the financial standing of NatWest and the Group based on publicly available information.The latest report and accounts are available at www.natwestinternational.com/financial-results

NatWest is not an Authorised Person subject to the rules and regulations made under the UK Financial Services & Markets Act 2000, and thereforedeposits made with branches, all of which are outside the UK, are not protected by those rules and regulations covered by the UK Financial ServicesCompensation Scheme. As at 31 December 2011, NatWest's paid-up capital and reserves exceeded £1,627 million. UK resident depositors may besubject to declaration and taxation of resulting income.

AER stands for Annual Equivalent Rate and illustrates the interest rates as if paid and compounded each year. Rates correct as at June 2012.

The use of the word ‘protected’ in relation to this product refers only to NatWest’s obligations to repay your capital in full upon maturity. Our productsare not guaranteed by any other party.

Past performance is not necessarily a guide to future performance. The value of investments, and any income from them, can fall as well as rise.

Please bear in mind that inflation may have reduced the purchasing power of your deposit by the time it has matured.

Graphs and figures are used for illustrative and information purposes only and are not based on past or projected performance. They in no wayrepresent projections of the anticipated or expected performance of relevant products.

Equilibrium is not in any way sponsored, sold or promoted by any stock market, related exchange or index, and they make no warranty orrepresentation whatsoever, express or implied, either as to the results to be obtained from the use of either Relevant Index and/or the figure at whicheither Relevant Index stands at any particular time on any particular day or otherwise. They shall not be liable (whether in negligence or otherwise) toany person for any error in either Relevant Index and shall not be under any obligation to advise any person of any error therein.

All information in this promotional literature relating to taxation is for information purposes only and is based upon current legislation, which maychange, and the availability and value of any tax relief will depend on your individual circumstances. In providing this information we are not acting astax advisers and we strongly recommend that you seek independent professional advice if you are in any doubt over your personal circumstances.We shall not be liable for any loss resulting from reliance upon this information.

All interest rates are quoted gross of tax.

This application must be read in conjunction with the product Terms and Conditions and the brochure.

If you are not satisfied with any of our products or services, we have a complaints procedure that you can use. A leaflet, giving details of the procedure,is available from your branch upon request.

Calls may be recorded.

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